The down payment ratio of the second suite has nothing to do with the interest rate. The down payment ratio is set according to local policies and cannot be lower than the minimum. Interest rates are also set and adjusted by local banks according to market conditions, and there will be some fluctuations, but often there will be no big fluctuations. No matter how much down payment buyers pay, the mortgage interest rate is basically the same level, and the down payment ratio will not affect the interest rate.

What should I pay attention to when buying a second suite?

1, pay attention to the down payment ratio.

Many friends who are ready to buy a house with a loan said that the down payment of the house is difficult to calculate. Indeed, according to the situation of buyers and the houses they buy, the down payment that buyers need to prepare is different. The down payment ratio of mortgage loans in different cities is different. Except for some cities with restricted purchases, most cities require a down payment of 30%, but buying a second suite is different, and the down payment ratio of the second suite has also increased accordingly, which is something that buyers need to pay special attention to.

2. Pay attention to the loan method

At present, there are three main ways to buy a house by loan, and provident fund loans are the concern of most buyers. There are also some precautions to keep in mind when using provident fund loans to buy a second suite. If the borrower used the provident fund loan when purchasing the first suite, he may not apply for the provident fund loan when purchasing the second suite before the loan has been paid off; If the first suite is purchased with a commercial loan and is being mortgaged, you can use the provident fund loan to purchase the second suite.

3. Pay attention to the preparation before buying a house

Since you are buying a second suite, you should understand what you should pay more attention to when buying a second suite. Although we should consider the price, we should pay more attention to the living environment of the house. A good living environment is inseparable from property management. Property buyers should first carefully choose a property project. Before buying a house, buyers should have some basic understanding of the real estate project you choose. It is best to choose only property developers, and the services of these property companies will not be too bad.